Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Las Vegas, NM

We monitor insurance prices, helping the average driver in Las Vegas save up to 31.4% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Las Vegas

The chart below shows the cheapest car insurance company in Las Vegas for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Farm Bureau, Gainsco, and Geico.

 
Las Vegas Insurer Monthly Cost
State Farm $48
Farm Bureau $56
Gainsco $61
Geico $64

Savings for Every Kind of Las Vegas Driver

The table shows how much the average auto insurance customer in Las Vegas might save by following our recommendations.

Based on our extensive insurance data, we know the average Las Vegas driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $348 per year by choosing the right vehicle insurance company. Some Las Vegas residents are paying out over $1,559 extra every year for auto insurance in Las Vegas. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Las Vegas, NM Savings / Yr.
Drivers with good records
$348
Drivers with accidents
$789
Drivers with speeding tickets
$597
Drivers with a DUI conviction
$686
Young drivers
$1,511
Married drivers
$431
Drivers with bad credit
$429

Las Vegas Car Insurance vs. New Mexico

People living in Las Vegas pay an average of 3.81% more than the typical driver in the state. The average driver in Las Vegas can expect to pay about $806 per year, or $1,559 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Las Vegas for most people.

Car Insurance Prices by Las Vegas Neighborhood

Las Vegas, NM map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Las Vegas?

The map shows insurance prices in and around Las Vegas, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $132 per year within the city boundaries, with insurance premiums ranging from a high of $1,632 to a low of $1,500. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Las Vegas.

Pick the Best Car Insurance Company for You in Las Vegas

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Las Vegas insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Las Vegas

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $348 over the average Las Vegas car insurance company.

Visit Site

We use the average good driver, paying $101 per month, as our baseline for pricing in Las Vegas. State Farm, Travelers, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Las Vegas drivers with accidents on their records

In Las Vegas getting into an accident will raise premiums an average 38% for a yearly cost of $2,509. That's $950 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Nationwide, and Travelers are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $789 over the competition.

Visit Site

The best car insurance company for Las Vegas drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $597 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Las Vegas, tickets raise premiums on new quotes about $661. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $2,220 per year.

The best auto insurance for Las Vegas drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,487 per year in auto insurance premiums, which was $928 more than a driver with no major issues. State Farm, Progressive, and Kemper penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $686 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Las Vegas

In Las Vegas, State Farm costs young drivers $1,511 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Las Vegas. With an average cost of $4,999 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Nationwide, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Las Vegas

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $98. State Farm, Geico, and Progressive provided the largest discounts to couples living in Las Vegas.

State Farm gave the largest car insurance discounts to married couples, averaging $431 saved each year compared to an average Las Vegas couple's premiums.

Visit Site

The cheapest car insurance in Las Vegas for drivers with bad credit

People with poor credit saved an average of $429 with Gainsco.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $850 every year. Premiums for people with poor credit were about $2,409 in Las Vegas. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Gainsco.

The best Las Vegas car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Las Vegas, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Las Vegas.

Nationwide was the best company for customer service in Las Vegas according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Las Vegas, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Las Vegas. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Las Vegas

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 40% of Las Vegas residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Las Vegas driver can expect to pay about $97 per month.

Visit Site

What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Las Vegas, USAA has the best prices for young drivers, drivers with accidents, good drivers, married couples, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Las Vegas

What Influences the Cost of Car Insurance in Las Vegas?

On average, car insurance in Las Vegas is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Las Vegas is 17 minutes, which is far less than average for a driver in the state.
  • New Mexico state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Las Vegas are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Las Vegas has an average population density in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Las Vegas is $67 per month for minimum coverage and $130 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Las Vegas driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Las Vegas with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.